Santander Ultimate Cash Back Credit Card

Santander Bank

Key facts

Annual fee$0
RewardsCash back
Everything else earns1.5% back
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 1.5% back on purchases. The catalog records no bonus categories for this card.

Signup bonus

The catalog records no public signup bonus for this card.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

$5 a month at Lyft — $5 Lyft credit for each month with 3 qualifying Lyft rides in the U.S.; the page's perks are listed under World Mastercard, with footnote terms at lyft.com/mastercard
$10 a month at Instacart — 3 free months of Instacart+ for new subscribers, and $10 off the second qualifying order of $10 or more each month; offer expires January 31, 2027
$3 a month at Contactless public transit — $2.50 statement credit each month with $10 or more of contactless transit purchases (participating systems, limit one per month); ends 12/31/27

Applying

Foreign transaction fee: 0%

Issuer's page for this card

Notes

3% cash back on new net retail purchases for the first 12 months after account opening, up to $20,000, then 1.5% unlimited cash back; the catalog models the 1.5% ongoing rate. Cash back can be redeemed for statement credits or electronic gift cards and does not expire for accounts in good standing. Intro APR: 0% for the first 15 billing cycles on purchases and on balance transfers made within 90 days of opening, then 18.49% to 27.62% APR variable (cash advance APR 29.14%). Balance transfer fee: the greater of $10 or 5%; cash advance fee: the greater of $10 or 5%. Late payment up to $40. Rates as of 10/1/2026. World Mastercard perks stated on the page: $5 Lyft credit for every three rides in a month (through 1/31/2027), 3 free months of Instacart+ and $10 off the second order each month (through 1/31/2027), and a $2.50 statement credit for $10 or more of contactless transit purchases each month (through 12/31/27). The page also lists Sphere and Bravo Mastercards, whose agreements are image-only PDFs with no readable text, so they are not recorded.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Santander Bank; the card name is its owner's trademark.

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